Author archives: Josh Lenihan

Rishi Sunak – Spring Statement

The Chancellor, Rishi Sunak, has delivered his Spring Statement.  Whilst this was originally not intended to be a fiscal event, there were a number of tax announcements.  In addition, the Chancellor published a “Tax Plan” for the remainder of the Parliament with a warning that the invasion of Ukraine “presents a risk to our recovery”.

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Changes to Pension Ages

Last year, the Government published a consultation on draft clauses for the Finance Bill 2021-22.  Amongst these were clauses that will increase the Normal Minimum Pension Age (“NMPA”) for the purposes of pensions tax. NMPA is the earliest age at which a member’s pension benefits can be taken under a registered pension scheme without higher

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Should you Pay-off your Grandchildren’s University Debt?

Many people will have come across the headline-grabbing interest rate of 5.6% per annum on some student loans.  Many people rightly believe that we should pay off all our debts where possible and should never take out a loan that we know we cannot repay.  However, with the average starting salary of graduates stagnant at

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Divorce and Collabortive law

The pandemic has been a very difficult time for everyone, and one of the fallouts is going to be an increased divorce rate as many people re-evaluate their lives.  Even Bill Gates, once the world’s richest man, said that he and his wife Melinda were not going to be able to grow old together.  Indeed,

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Are you covered? – Cyber Insurance

You might have read in the news a couple of weeks ago that between 800 and 1,500 businesses around the world were affected by a ransomware attack centred on US IT firm Kaseya, a company that provides software tools to IT outsourcing shops. The most notable disruption occurred in Sweden, where hundreds of Co-Op supermarkets had

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Investment Update – April 2021

A year has passed since the World Health Organisation (WHO) declared COVID-19 a pandemic.  In the year since, tremendous effort has been expended to stop the spread of the virus, and protect people and economies.  Whereas this time last year, equity markets were falling sharply, and corporate bond spreads were widening dramatically, many equity indices

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Financial Planning in your 60’s

By the time you reach your 60s, you should already have covered the basics of financial planning: ISAs, Pensions, Wills and even Trust planning.  So, what are the next steps as you move towards the end of your working life and into retirement? For many people, actioning their financial plan can be a mentally difficult

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Learn to enjoy your money

As a Wealth Strategist, one of the things that you learn at a very early point is that it is not the amount of money you have that makes you happy, it’s what you do with it that gives the enjoyment. And, although the richest clients are not necessarily the happiest, it is also true

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